Frederick County property record for 4904 Whitney Ter, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,716 sqft · built 2003 |
| Lot Size | 0.025 acres (1,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $378,000 (May 2025) |
| Tax Bill | $3,507 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Aug 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-036475 |
| Primary APN | 01-036475 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,716 sqft Living Area |
| 1st Floor Area | 572 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,100 sqft (0.025 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 036475 |
|---|---|
| Street Address | 4904 WHITNEY TER |
| City | FREDERICK |
| State | MD |
| Zip | 21703-6855 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PUD |
| Legal Description | LOT 418 SECTION 2 PLAT 15-1,100 SQ.FT. WELLINGTON TRACE |
| Legal Subdivision | WELLINGTON TRACE |
| Legal Lot Number | 418 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 1, BUCKEYSTOWN |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 752301 |
4904 Whitney Ter, a townhouse, is owned and occupied by an individual who bought it in May 2025.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4904 WHITNEY TER, FREDERICK, MD 21703-6855 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 13, 2022 | Deed, Transfer · VA Mortgage MORTGAGE LINK |
| Aug 4, 2022 | Deed, Transfer COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO |
| Oct 28, 2020 | Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Jun 2, 2017 | Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 16, 2025 · Amount on File |
| Deed Sale | May 16, 2025 · Amount on File |
| Prior Sale | Dec 13, 2022 · Amount on File |
| Deed Book / Page | 17345 / 96 |
| Transfer Doc | 0052850190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 13, 2022 |
| Property Address | 4904 WHITNEY TER, FREDERICK, MD 21703-6855 |
| Document Number | 0162600180 |
| Book / Page | 16260 / 180 |
| Map Reference | MB 68 PL 19 |
| Instrument Date | Oct 27, 2022 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2022 |
| Title Company | PREMIER TITLE AND ESCROW LLC, PREMIER TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $807.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4904 WHITNEY TER, FREDERICK, MD 21703-6855 |
| Document Number | 0016260189 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 16260/189 |
| Name | MORTGAGE LINK |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 4, 2022 |
| Property Address | 4904 WHITNEY TER, FREDERICK, MD 21703-6855 |
| Document Number | 0160690374 |
| Book / Page | 16069 / 374 |
| Map Reference | MB 68 PL 19 |
| Instrument Date | Aug 4, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Tax | $1,370.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2611 INTERNET BLVD STE 201, 201, FRISCO, TX 75034-9093 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4904 WHITNEY TER, FREDERICK, MD 21703-6855 |
| Document Number | 0143180480 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 4904 WHITNEY TER FREDERICK MD 217036855, FREDERICK, MD 21703-6855 |
| Document Number | 0143180480 |
|---|---|
| Date | Dec 3, 2020 |
| Book Page | 014318/000480 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2050 |
| Rate | 3% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 2, 2017 |
| Property Address | 4904 WHITNEY TER, FREDERICK, MD 21703-6855 |
| Document Number | 0118990333 |
| Book / Page | 011899 / 000333 |
| Instrument Date | May 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $217.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4904 WHITNEY TER FREDERICK MD 217036855, FREDERICK, MD 21703-6855 |
| Document Number | 118990341 |
|---|---|
| Date | Jun 2, 2017 |
| Book Page | 011899/000341 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 4904 Whitney Ter was $3,507 with a homeowner's exemption, up 10.3% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $304,367 (+8.77%) | $328,900 (-) Land $100,000 Building $228,900 | |
| 2025 | $3,507.00 (+10.32%) | $279,833 | $328,900 Land $100,000 Building $228,900 |
| 2024 | $3,179.00 (+8.91%) | ||
| 2023 | $2,919.00 | $241,567 | $255,300 Land $80,000 Building $175,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4904 Whitney Ter in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 4904 Whitney Ter is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 567 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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